Looking for debt solutions?
We can help you choose the best debt solution suitable for your individual circumstances. There is a range of debt solutions available to you such as:
- Debt management plan
- Self-petition bankruptcy
- Debt relief order
- Re-organisation/consolidation loans
- Negotiated settlements
Throughout their collective careers to date, our team have helped over 30,000 people through IVAs and Get Help With Debt typically achieves up to 90% debt write-offs for their clients.
As part of CD Fairfield Capital, we have helped out clients write off over £130 million of debt since 2013. If you engage in our debt management service you will benefit from:
- 100% Free Debt Advice
- Freeze interest and charges with your debtors
- Affordable payment plan to repay your debtors & move on from your current situation
Most commonly asked questions:
Will my home be safe?
The answer to this is always yes. Whether you rent or own your home an IVA ring-fences your ability to stay exactly where you are.
A lot of our clients are homeowners and come to us because they have unaffordable debts such as credit cards and loans and want to ensure they can always afford to pay their mortgage. This is exactly the right thing to do and all mortgage payments, rates, insurances etc are protected from creditors with an IVA.
Why will the creditor’s write-off so much debt?
Pure and simply there is legislation in place to ensure that debts such as credit cards, loans and store cards cannot take priority over essential outgoings like mortgage payments, rates, groceries, running your car, paying your heat and electricity.
We work with you to ensure that you are only ever paying back an amount that you can afford. It’s unusual for creditors to refuse a properly constructed and fair IVA settlement. The vast majority of IVAs we propose are accepted and we don’t charge any upfront fees so there really is nothing to lose to find out if you fit for this type of arrangement.
What happens if my circumstances change within the five years of my IVA?
Our approach is to firstly to get a really good understanding of our clients’ circumstances plus any changes that might occur in the future. We also build in some variance into our clients’ IVAs in case income reduces, household expenditure increases or some other unknown change occurs.
I can proudly state that very few our IVAs ever fail; we take the time to make sure it’s the right solution in the first place, and work with our clients if their circumstances change later down the line.
Can I keep my car?
The short answer is yes providing the equity in the vehicle is below a certain threshold. If not, we can often work out an arrangement where a little bit more is paid into the IVA so clients can keep their car, whether its on HP or not. Clients can also change their car before during or after an IVA as well if required.
What is my next step?
Get Help With Debt (part of CD Fairfield Capital) are authorised and regulated by the Financial Conduct Authority and only ever follow strict advice guidelines. If another solution is better for you, we’ll advise you of it during your free consultation If you are worried about the cost and affordability of repaying all of your debts then call to arrange a no obligation chat with one of our experienced advisors today on 02890 393626.